BlastPoint's Banking Scorecard
San Luis Valley Federal Bank
Micro
Specialty: Mortgage
CO
FDIC cert 28208
Designations: ✓ Community bank ✓ Mutual
Alamosa, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
San Luis Valley Federal Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 19.42% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$393.1M
+3.6% YoY
+3.6% QoQ
|
+$175.6M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$278.1M
+6.9% YoY
+2.7% QoQ
|
+$138.9M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$323.5M
+2.2% YoY
+6.1% QoQ
|
+$139.8M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.15%
+10.2% YoY
+3.3% QoQ
|
+0.06% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.52%
+2.9% YoY
-0.3% QoQ
|
+0.67% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
68.39%
-5.0% YoY
-1.2% QoQ
|
+0.66% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.19%
-46.3% YoY
-14.0% QoQ
|
-0.45% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
85.96%
+4.5% YoY
-3.2% QoQ
|
+11.43% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
23.54%
-2.5% YoY
-2.2% QoQ
|
+1.14% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.13%
-44.7% YoY
-14.8% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
28.27%
+5.1% YoY
-2.9% QoQ
|
+19.42% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.72%
+0.6% YoY
+27.9% QoQ
|
+0.15% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
28.27%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Tier 1 Capital Ratio
Current: 28.27% · Tier avg: 8.85%
89
89th pctile
Total Loans
Current: $278.1M · Tier avg: $139.2M
87
87th pctile
Total Assets
Current: $393.1M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $323.5M · Tier avg: $183.7M
84
84th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.56%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.96% · Tier avg: 74.53%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.54% · Tier avg: 22.39%
55
55th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
44
44th pctile
Efficiency Ratio
Current: 68.39% · Tier avg: 67.73%
Top Weaknesses
44
44th pctile
Efficiency Ratio
Current: 68.39% · Tier avg: 67.73%
55
55th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.54% · Tier avg: 22.39%
63
63th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.96% · Tier avg: 74.53%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
84
84th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.56%
85
85th pctile
Total Deposits
Current: $323.5M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $393.1M · Tier avg: $217.5M
89
89th pctile
Total Loans
Current: $278.1M · Tier avg: $139.2M
95
95th pctile
Tier 1 Capital Ratio
Current: 28.27% · Tier avg: 8.85%